Natural hazards · Layhill

Layhill, MD natural hazards

Most of the natural-hazard damage FEMA expects in Layhill comes from inland flooding, and overall the risk is low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Layhill?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Layhill to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding70%Heat waves7%Hurricanes7%Everything else16%

By hazard

What Layhill faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

70% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 5 times a year in the area

Heat waves

7% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 6 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 10 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Layhill flood?

FEMA's records show no paid flood insurance claims in Layhill.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Layhill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.

Disasters that hit Layhill

Federal disasters declared here

None of the disasters declared for Montgomery County shows FEMA aid or repair money reaching Layhill itself in FEMA’s records.

Brought FEMA money into LayhillDeclared for Montgomery County only

Montgomery County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Layhill

Layhill and the towns around it

Very lowLowModerateHighVery high

Layhillmostly inland floodingLow

Cloverlymostly inland floodingVery low

Glenmontmostly inland floodingVery low

Colesvillemostly inland floodingVery low

Aspen Hillmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Layhill covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Layhill’s own flood-insurance community; household aid to the registrant’s city; repair grants to Layhill. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Layhill total about $1.4M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.